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The pariah of risks

机译：风险之源

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Before the terrorist attacks last September, very few insurers or policyholders in America bothered much about terrorist insurance being added to property-and-casualty contracts. After the attacks, insurers and reinsurers alike said they would charge sky-high rates for terrorist risk―if they underwrote it all―unless the government stepped in to help. Both houses of Congress came up with widely different draft proposals that would make the government the insurer of last resort, but they failed to agree on a legislative bill. On January 1st the majority of reinsurance contracts came up for renewal: and almost every reinsurer refused to underwrite the primary insurers' terrorist risk. Unlike reinsurance, direct insurance policies are not all renewed at a particular time of year. Still, unless the federal government comes up with a solution for covering terrorist risk in the next few weeks―Congress is back in session on January 23rd―primary insurers will also refuse to include terrorist risk in the policies they write. It is, says Robert Hartwig at the Insurance Information Institute in New York, "a creeping crisis".
机译：在去年9月恐怖袭击发生之前，美国很少有保险公司或保单持有人对将恐怖保险加入财产和伤亡合同感到非常不安。袭击事件发生后，保险公司和再保险公司都表示，如果恐怖袭击的风险承担全部，他们将收取高昂的费率，除非政府介入以提供帮助。国会两院提出了广泛不同的提案草案，使政府成为万不得已的保险人，但他们未能就立法法案达成一致。 1月1日，大多数再保险合同即将续签：几乎每个再保险公司都拒绝承保主要保险公司的恐怖主义风险。与再保险不同，直接保险单并非在一年的特定时间全部更新。尽管如此，除非联邦政府提出解决未来几周恐怖分子风险的解决方案（国会将于1月23日召开会议），否则主要保险公司也将拒绝将恐怖分子风险纳入其制定的政策中。纽约保险信息研究所的罗伯特·哈特维格（Robert Hartwig）说，这是“一场蠕动的危机”。

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